Search found 1697 matches

by JWR1945
Thu Jun 30, 2005 3:31 pm
Forum: Town Center
Topic: Rob Bennett's web site
Replies: 18
Views: 12987


by JWR1945
Sat Jun 18, 2005 5:53 pm
Forum: Town Center
Topic: Rob Bennett's web site
Replies: 18
Views: 12987

Read these sections of Chapter 2 on pages 40-44:

1) Financial Independence Is Not An All-Or-Nothing Proposition and
2) Retire Today!

Those middle class family members need to dream their dreams first. The rest follows.

Have fun.

John Walter Russell
by JWR1945
Fri Jun 17, 2005 10:47 am
Forum: Town Center
Topic: Rob Bennett's web site
Replies: 18
Views: 12987

Rob Bennett's web site

Rob Bennett's web site is up and running. He has published his book Passion Saving and it is for sale. http://www.passionsaving.com/index.html http://www.passionsaving.com/store.html I have posted a very brief review at my web site. http://www.early-retirement-planning-insights.com/ http://www.earl...
by JWR1945
Sat May 07, 2005 12:02 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

peteyperson BTW, where did you recheck the payout ratio data? I used marketwatch.com (formerly cbs.marketwatch.com) to calculate the payout ratio. Professor Shiller's web site has a complete set of data for the S&P500 index. I use it most of the time. http://www.econ.yale.edu/~shiller/ The payout r...
by JWR1945
Fri May 06, 2005 1:00 pm
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 15939

Real estate can be attractive for a retiree. It depends upon the individual and his local circumstances. Some people love being landlords. Others hate the idea. What kept me out of real estate after I had bought an apartment building was living through President Nixon's rent controls. Other than tha...
by JWR1945
Fri May 06, 2005 6:24 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

... I agree that the S&P 500 is overvalued. Last time I looked the TTM P/E was around 19-20. Historical is 14-16. Historical dividend is 4.4%. Last time I looked it was 1.8% today (although payout ratio may explain some of a difference there) . So for those who believe in reversion and has studied ...
by JWR1945
Thu May 05, 2005 8:59 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Peteyperson There are usually opportunities if one wishes to look deeper. Broad sweepin' statements will miss such opportunities which could be quite costly in the long-run. P.S. Not knocking you, John, just thought it was worth pointing out. Thank you. You have a good point. In the context that I ...
by JWR1945
Wed May 04, 2005 12:00 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

I am also not certain that waiting for a decade will ensure that the dividends get to 5-6%? What do I do if no real change in valuations or divs? Wait out another 10 years burning through TIPs? Like petey and Bill Gross I also believe the official nos are of with about 1%. How does that affect my r...
by JWR1945
Tue May 03, 2005 2:06 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

ES : I've never been a fan of sitting on the sidelines because no one knows what the market will do. Here is some additional material. It might influence your view of standing on the sidelines. Let us assume that you wish to retire today and withdraw 4% each year. What happens if you are on the sid...
by JWR1945
Tue May 03, 2005 7:27 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Cheer up, ES , things are much brighter than you imagine. If we were to have an extended dry spell and if (long-term, smoothed) earnings continued to climb as they have in the past, dividend yields would climb through the roof. That is what happened in the 1970s. They went from 2.9% in the late 1960...
by JWR1945
Mon May 02, 2005 5:47 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Greetings John :) Peteyperson's original idea was to use up his entire TIPS holdings if necessary. If the bear market were to continue, he still would be satisfied. He would have come through the first ten years OK. [But not everyone would agree. That is the reason that I have considered other ladd...
by JWR1945
Mon May 02, 2005 5:26 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

As far as would anyone invest 80% in something that they think will drop 40 to 70% at some point in the next 10 years, I think the answer is a pretty easy no . In fact if you read the original post in this thread, JWR was discussing a 40% TIPS allocation as an alternative to Petey's 20% scenario ex...
by JWR1945
Mon May 02, 2005 4:59 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

on the other hand if the comment re: speculative return/metric contraction was the basis for some sort of optimization strategy i guess i can see the origin of the (pre-emptive?) critique but if a switching technique was presented by jwr i missed it. At the old SWR Research Group discussion board, ...
by JWR1945
Mon May 02, 2005 12:38 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Greetings unclemick :) I seem to have missed something - ? isn't the whole point of a ladder to sell bonds(of whatever kind) as they come due. Who cares about market vs NAV in the stretch? Either you have missed something, or I have. Lets not discount either possibility. :wink: But the idea of this...
by JWR1945
Mon May 02, 2005 12:12 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Using a TIPS Ladder I routinely use TIPS as a theoretical baseline. This baseline has often turned out to be the best approach. Peterperson has looked into the practical aspects of having a TIPS portion of a retirement portfolio. He has found that a TIPS Ladder has many advantages. One is that it c...
by JWR1945
Sun May 01, 2005 5:08 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

ES I was messing around with this today and my main problem seems to be tying this all in with the ups and downs possible in the market. I don't think I have anything against a straight forward TIPS ladder as part of one's retirement portfolio. But when we go beyond that things get fuzzy. This is t...
by JWR1945
Sun May 01, 2005 4:40 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

It is true that I no longer respond to Norbert Schlenker's posts.

John Walter Russell
by JWR1945
Sat Apr 30, 2005 9:51 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

anyone know what book the reader is referencing here? http://www.dallasnews.com/sharedcontent/dws/bus/columnists/all/stories/042805dnbusburns.533ffdc8.html otherwise seems similar to tips approach. hix9 Scott Burns is merely describing a TIPS ladder. Scott Burns differentiates between drawing down ...
by JWR1945
Fri Apr 29, 2005 2:33 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Being a TIPS virgin :oops:, I assume that one can purchase TIPS maturing in each of the next 10 years without much problem??? Yes, you can. Here is a link to the Government's site. It tells you everything, including how to purchase without paying any commissions. http://www.publicdebt.treas.gov/sec...
by JWR1945
Fri Apr 29, 2005 7:09 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 59173

Greetings John :) I'd like to thank you as well for the great post! I will also need some time to digest all of your information. Very interesting stuff! :D Fortunately, I have now been able to recover Peteyperson's posts from the SWR Research Group board. In addition, I expect Peteyperson to conti...